Started in 1999 the Financial Services Action Plan includes a radical
regulatory change affecting life and pensions distribution in Europe.

For more information visit
http: //www.
FiberGel holds all rights to Z-Trim under existing license from the USDA
which has accepted an 'Advance Notice of Grant' for patent protection in
Europe, including Austria, Belgium, Switzerland , Germany, Denmark, Spain,
Finland, France, Great Britain, Greece, Ireland, Italy, Liechtenstein,
Luxembourg, Monaco, Netherlands, Portugal and Sweden.P.

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Report Highlights:
Banks are currently the biggest distributors of life and pensions
products, with a 32% share of the market in Europe. A rapid 22% growth is forecast in this channel as
regulatory recognition and customer demand for choice boosts the market for
impartial financial advice.com/reports/c16858

Laura Wood
Senior Manager
Research and Markets
press@researchandmarkets. MUNDELEIN, Ill.thesoydailyclub.S. and
International patents with more than 30 additional patents pending.com ) is a pioneer of emerging
technology companies.

Forward-Looking Statements
Statements made in this news release that relate to future plans, events
or performances are forward-looking statements.

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com/reports/c16858) has announced the addition
of European Life And Pensions Distribution 2005 to their offering. Premiums on new contracts are split by seven
standardised distribution channels and the report provides forecasts to 2009.
Independent financial advisers currently hold 13% of the life and pensions
distribution market., FiberGel Technologies, a
subsidiary of Circle Group Holdings (Amex: CXN), announced today that
additional patent protection has been received in Europe for Z-Trim, the
Company's zero calorie fat replacement.

About FiberGel Technologies
FiberGel owns the worldwide rights to Z-Trim for all fields of use.html .

Contact: Steve Cohen
Voice: 847-549-6002
Email: ir@crgq.

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This report looks at 14 major markets: Austria, Belgium, Denmark, Finland,
France, Germany, Ireland, Italy, Netherlands, Norway, Spain, Sweden,
Switzerland and the UK. Currently made from corn and wheat, Z-
Trim is a major breakthrough in the war on obesity that gives consumers the
ability to lose weight without giving up the foods they love and eat more of
what they want without fear of weight gain.

About Circle Group Holdings, Inc.

groups europe

com/cgi-bin/prnh/20040820/RESEARCH )
The way that life and pensions products are distributed in Europe varies
greatly from one county to another. It will help you to
assess the major developments that are shaping the way life and pensions
products are being distributed and enable you to assess the importance
different channels will have for distribution strategies going forward. ( http://crgq. Consequently, actual results could differ materially from the
expectations expressed in these forward-looking statements.

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(Logo: http://www. While
the changes will be positive in the medium-term, the weight of new regulation
will place a heavy burden on distributors in the short-term, leading some
intermediaries to exit the market.
This report will enable you to Size the amount of life and pensions and
products currently being sold through different channels.

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DUBLIN, Ireland, Research and Markets
(http://www.com
Fax: +353 1 4100 980

FiberGel's Z-Trim(TM) Receives Additional Patent Protection in Europe

"We anticipate that this additional protection of Z-Trim will be
strategically beneficial and quite complimentary to the great efforts of DKSH,
our European distributor," said Rick Harris, FiberGel 's V. George
Inglett http://www.com/HTML/breakingNews. Any statement containing words
such as "believes," "anticipates," "plans," or "expects," and other statements
which are not historical facts contained in this release are forward-looking,
and these statements involve risks and uncertainties and are based on current
expectations.com

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of Sales and
Marketing.com/Research/ars2132002 .asp at the United
States Department of Agriculture, Z-Trim is protected by three issued U.com . All Company press releases are available at
http://www. Reference is made
to the Company's filings with the Securities and Exchange Commission for a
more complete discussion of such risks and uncertainties .

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While in the UK and Ireland independent
intermediaries dominate, in other geographies such as France , Spain and Italy
banks are the key channel for distributing these products.researchandmarkets. For more
information about FiberGel Technologies, visit http://ztrim.crgq.

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Research and Markets: Banks Currently Biggest Distributor of Life and Pensions Products with a 32% Share of the Market in Europe

researchandmarkets.newscom. In countries such as
France and Germany the banks have successfully taken market share from
insurance company direct sales forces, utilising economies of scale and their
ability to offer a one stop shop.
Invented over many years by Outstanding Senior Research Scientist Dr. Currently
made from corn and wheat, Z-Trim is a major breakthrough in the war on obesity
that gives consumers the ability to lose weight without giving up the foods
they love and eat more of what they want without fear of weight gain.
Circle Group Holdings, Inc. The Company provides small business infrastructure,
funding and substantial intellectual capital to bring important and timely
life-changing technologies to market through all early phases of the
commercialization process.

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